Banking Essay Examples

Essays on Banking

Environmental Management for Green Banking in India
Words • 2457
Pages • 10
Abstract The present era of industrialisation and globalization has added a lot of comfort and luxury to human life but has also lead to an alarming situation of huge environmental degradation incorporated with all the involved activities. Today, the entire sector in the world economy is facing huge challenge to deal with the environmental problems and their related impacts in their day to day businesses. In an emerging economy like India, environmental management needs to be the key focus area…...
Adoption of Internet Banking in Balochistan
Words • 321
Pages • 2
Introduction In the banking sector, the Internet has triggered an IT-based revolution that has dramatically changed the way banking services are delivered. This innovation, known as Internet banking (IB), has helped busy people to perform their financial activities cost-effectively and efficiently, irrespective of their physical location, at any moment of the day. (Makris et al., 2009). In general and professional life, technological developments are of vital importance. This is the revolutionary era of technology. The rapid growth of IT has…...
Financial affairs
Words • 710
Pages • 3
Training of staff on issues related to financial abuse of the elderly persons in the United States financial institutions have been introduced. The Elderly Financial Protection Network in California has worked with the California’s Banker’s Association to develop a video for training the front line personnel and their supervisors on skills needed to capture any warning signs of a possible elder abuse fraud. Banks can also help in preventing elderly financial abuse by detecting various changes that may take place…...
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Costs and benefits of dollarization
Words • 1337
Pages • 6
The loss of seigniorage One important cost that Mexico will realize as a result of dollarization will be the loss of seigniorage. Seigniorage is the revenue that a country realizes from issuing currency (Joint Economic Committee). The difference between the cost of putting money into circulation and the value of the goods the money will buy is called net seigniorage (Id. ). In losing the ability to print its own currency, Mexico will lose the revenue that would have occurred…...
Bear Stearns
Words • 904
Pages • 4
Introduction The fund managers in Bear Stearns made mistakes and the first one was failing to predict accurately the behaviour of the subprime market under the given extreme circumstances. Effectively, these funds were not accurately protected from the event risk. Secondly, the bank failed in having enough liquidity to cover debt obligations. Given they had the adequate liquidity; the bank would not have to close their positions in a bearish market. Even as this may well lead to smaller returns…...
Alternative of cash or the standard ‘money’
Words • 356
Pages • 2
Plastic money is the alternative of cash or the standard 'money'. Plastic money is used to refer to the credit cards, debit cards that we use to make purchases in our everyday life. Plastic money is much more convenient to carry around as you do not have to carry a huge some of money with you. It is also much safer to carry it along or to travel with it as if it is stolen one can consult the bank…...
Nation’s Dire Financial Straits
Words • 558
Pages • 3
This paper is a discussion of our nation's dire financial straits as a reflection of our inability to stop overspending on a household level. Overspending Our nation is in dire financial straits. However, the nation's situation is only a reflection of our personal failures in our inability to "Just Say No" to ourselves. We must have everything and we must have everything now. We have become a country of consumers instead of a populace of producers. Let's face it, too…...
Financial Instruments
Words • 2261
Pages • 10
Swaps were created out of a response to the deficiencies of certain financial instruments that were prevalent up to the early 1980s. Specifically in relation to parallel and back-to-back loans, banks found that it was necessary to modify the conditions inherent in these transactions to reap maximum benefits and make them cater more closely to their individual financial needs. Swaps therefore arose out of a need remedy the shortcomings of traditional loan facilities. Evidently swaps are therefore primarily concerned with…...
Alan Greenspan
Words • 1362
Pages • 6
A discussion of Alan Greenspan's re-nomination as chair of the Federal Reserve. When Alan Greenspan presented the Federal Reserve's semi-annual report on monetary policy to the Subcommittee on Domestic and International Monetary Policy, the Committee on Banking and Financial Services, and the U.S. House of Representatives on February, Dr. Greenspan touted a cautionary yet favorable view of the U.S. economy. He states that "With inflationary pressures apparently receding, the previous degree of restraint in monetary policy was no longer deemed…...
Simple Random Sampling Method
Words • 627
Pages • 3
The total population 69000 bank employees around 63 banks and selected 15000 employees out of 69000 bank employees. Around 21% populations selected for sample but 15000 employees selected randomly not as like first 15000 or any sequences of employees only selected by the researchers. One primary reason behind this selection for research is the taking interview of all the total bank employees is difficult because of budget limitation. Taking sample of small group is easy to get accurate, efficient, sufficient…...
WAPDA System Fuctioning
Words • 1904
Pages • 8
There are very nearly 5,000 bank offices all through Pakistan that are occupied with the gathering of power bills from the purchaser. The records worked in these bank offices are titled WAPDA Electricity Bills Collection Account Functions and Responsibilities of Financial Manager and CFO Create the goals of association; Make the approaches of the business; Sort the techniques; Style the procedure Established the projects The role of CFO in company's sector in Pakistan above affixed jobs of CFO in the…...
Premium Spread
Words • 1586
Pages • 7
ANALYSIS AND INTERPRETATION Premium Spread is the refinement between the typical crediting rate and the ordinary getting rate for a bank or other budgetary association. The extent of premium spread to AWF shows the profitability of bank in managing an organizing premium use and premium pay feasibly. Premium spread is fundamental to a bank achievement as it applies a strong effect on its primary concern Intrigue Spread%=Total intrigue pay short absolute intrigue costs/Average working asset INTEREST SPREAD The above table…...
Vijay Mallya a ‘Liquor Baron’
Words • 800
Pages • 4
Vijay Mallya a 'liquor baron' is tagged as a willful defaulter by his biggest moneylender, the State Bank of India in November 2015. Vijay Mallya, who already owed around Rs.7000 crores, then to Public Sector Banks, was given further enormous bundle of credit by the consortium of banks driven by SBI for his aspiring avionics experience Kingfisher Airlines. Presently huge piece of the faults of the Mallya's default rests with the grasp of these banks for payment of advance to…...
Internal Cash Control
Words • 1002
Pages • 5
The weaknesses in the internal control over cash disbursements are, there should be only one person in charge of writing the checks for each task, and there should be numbered checks for both people so that the funds spend can be tracked easier, the cabinets were the checks are stored should be two locked cabinets, one for each person who writes the checks. Memo: I would recommend that to have a better control over money paid and items purchased, that…...
Small & Medium scale Enterprises (SMEs)
Words • 2636
Pages • 11
The definition of Small & Medium scale Enterprises (SMEs) varies from country to country. The classification can be based on the firm’s assets, number of employees, or annual turnover along with the loan amount. Central Bank of Sri Lanka defines SMEs as enterprises with less than Rs. 600 million turnover per annum and with a maximum exposure of Rs. 200 million mainly to be classified as a SME for Basel II Capital adequacy calculation and utilization of funds accumulated in…...
Rob Parsons: A Morgan Stanley Case Analysis
Words • 3060
Pages • 13
Parsons’ Performance Assessment Overall, Rob Parson’s performance at Morgan Stanley has been very strong when numbers are taken into consideration. In his time at MS, he has brought on new clients and expanded his division’s market share dramatically, increasing it over 10 percent. He has excellent repute with the clients and consistently creates new relationships with clients while also generating new opportunities for the firm. When it comes to sales, he creates a need for MS services even if there…...
Safelite Auto Glass
Words • 664
Pages • 3
My very first part-time task in my life was actually my very first job. It was an unpaid part-time internship in one of the local industrial banks in Baku, Azerbaijan. Mainly internships in Azerbaijani banks are not paid; hence the financial part of the task was not my primary chauffeur and motivation to work. As it was my first job, I was really enthusiastic and inspired to reveal my best to the team I was assigned to. Moreover, my coach…...
Wht Kyc Is Required
Words • 526
Pages • 3
In these days of frauds ,terrorism, KYC has become the buzz word in financial sector. Before the implementation of KYC Policy, banks used to ask for an introduction from an existing customer to open a new account, even though an introducer cannot be sued or otherwise held responsible for any mishap, and it became a very common practice to introduce anyone to the bank without knowing its consequences. In 2002, RBI directed all banks to meticulously follow the KYC guidelines…...
Delima Case Summary
Words • 262
Pages • 2
Delima Enterprise was founded in 1981 by Encik Zayed. It conducted trading and supplying related products including manpower supplies to the oil and gas industries. In 2004, the enterprise was incorporated as Delima Enterprise Sdn. Bhd. Encik Zayed as the Managing Director and his wife Puan Hashimah as the Chief Operating Officer managed the company. The other personnel were Puan Balqis as the Operation Manager and Encik Salam as the Human Resource and Administration Manager. Both of them were family…...
Financial Intermediary
Words • 666
Pages • 3
A financial intermediary is an organization that raises cash from investors and supplies funding for individuals, business and other organizations. A financial intermediary is typically an institution that facilitates the channeling of funds in between lending institutions and borrowers indirectly. That is, savers (lending institutions) provide funds to an intermediary institution (such as banks), and after that organization in turn provides those funds to spenders (debtors). This might remain in the form of loans or mortgages. For corporations, intermediaries are…...
Unfortunate day of my life
Words • 404
Pages • 2
I was heading to the bank with my parents on that beautiful Sunday. The birds were chirping merrily in the swaying branches. A cool breeze swept across the road with a quiet humming noise. Cars could be heard zooming past with the occasional blaring of a horn. As we were entering the bank my parents were discussing about the plans for the day ahead. The bank was bustling with activities, the tellers were tapping at their keyboards furiously while customers…...
Assets and Liabilities
Words • 573
Pages • 3
Possession is a product of worth owned by the company. Properties can be concrete i. e. those which have some physical existence or can be intangible i. e. which do not exist in physical kind but can be held in the type of contracts or rights. Assets are normally organized in order of liquidity (ease of conversion to cash) on the balance sheet. Cash is for that reason the most liquid of all possessions. Possessions can be classified as: Present…...
Banc One HBS Case
Words • 2250
Pages • 9
Banc One has a problem with the alignment of two of its important strategies: (1) rapidly acquiring profitable banks and (2) sustaining high returns while mitigating interest rate risk. Banc One has been very successful in acquiring banks, and much of this is done through the sale/transfer of Banc One’s stock. This strategy relies heavily on Banc One’s ability to maintain a high stock price. The second strategy – high returns with mitigated interest rate risk - relies heavily on…...
Importance of EPF
Words • 1241
Pages • 5
In general, the EPF Board may authorize the withdrawal of the sum of money standing to the credit of a member, if it is satisfied that, The member has died, Has attained the age of 55 yrs, Member is physically or mentally incapacitated from engaging in employment or The member not being a Malaysian citizen is about to leave Malaysia with no intention of returning. In partial withdrawal, Ss. 54; EPF Board also may also authorize application to withdraw partial…...
Alliance Concrete Case Analysis
Words • 607
Pages • 3
The best estimate for 2006 are shown in the projections for Alliance Concrete. The company is expected to grow its Net Income by $2,350 million. If the company was to pay $3 million in dividends, it would be $11,349 million in retained earnings. If you make no investment in capital expenditure and make payments to your bank loan, the loan would come down to $57,660 million. If the company does not reinvest, it will be at a 50% chance of…...
Lehman Brothers Case
Words • 4286
Pages • 18
1. Introduction Lehman Brothers Holdings Inc., the fourth largest US investment bank, succumbed to the subprime mortgage crisis in the biggest bankruptcy filing in history. The 158-year-old firm, which survived railroad bankruptcies of the 1800s, the great depression in the 1930s, & the collapse of long-term capital management a decade ago, filed for chapter 11 bankruptcy on the 15th of September 2008. 2. Impact of the crisis: how it led to the collapse of Lehman Brothers In this segment, we…...
Sabarmati Ashram
Words • 1413
Pages • 6
Sabarmati Ashram is located in the Ahmedabad at the bank of River Sabarmati. This was one of the residences of Mohandas Karamchand Gandhi. This ashram is now a national monument established by the Government of India due to its significance for the Indian independence movement in the form of the Dandi March in 1930. The ashram was originally established at the Kocharab Bungalow of Jivanlal Desai on 25 May 1915. The Ashram was then shifted on 17 June 1917 to…...
Josef Ackermann
Words • 1259
Pages • 6
Using Darling and Leffel’s (2010) framework, this essay will evaluate on how Josef Ackermann demonstrated his leadership style as a Swiss banker, the former Chief Executive Officer (CEO) of Deutsche Bank and Chairman of Zurich Insurance. As defined by Peter Northouse (2001), leadership is a process, in which an individual influences a group to achieve a common goal. And to achieve that goal, a visionary leader should put forth much effort to critically apply his leadership skills and knowledge. In…...
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